VLY Stock Risk & Deep Value Analysis
Valley National Bancorp
Financial Services • Banks - Regional
DVR Score
out of 10
The Bottom Line on VLY
We analyzed Valley National Bancorp using our deep value framework. Sign in to see our full verdict and DVR Score.
We ran VLY through our deep value framework — analyzing financial health, distress signals, competitive moat, and risk factors. Here's what we found.
📈VLY Performance Overview3yr weekly
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Weekly adjusted close · Quarterly revenue & EPS · DVR score history
VLY Stock Risk Analysis
Overall Risk
Moderate
Financial Risk
Medium
Market Risk
Medium
About Valley National Bancorp (VLY)
Sector
Financial Services
Industry
Banks - Regional
Market Cap Category
mid
Market Cap
$5.84B
VLY Deep Value Analysis
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VLY Red Flags & Warning Signs
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Unexpected deterioration in credit quality or increase in loan loss provisions
- ⚠
Increased competition from larger banks or fintech entrants
- ⚠
Significant shifts in regulatory policies impacting regional banks
- ⚠
Prolonged economic downturn or recession in key operating states
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VLY Financial Health Metrics
Market Cap
$5.84B
P/E Ratio
11.85
VLY Competitive Moat Analysis
PremiumMoat Rating
Narrow
Moat Trend
Stable to Eroding
Moat Sources
3 Identified
VLY's moat is largely based on customer inertia, long-standing relationships, and a recognizable local brand. Its durability is challenged by increasing digital alternatives, aggressive pricing from larger institutions, and the ease of switching banks in the digital age.
VLY Competitive Moat Analysis
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VLY Catalysts & Growth Drivers
Near-Term (0-6 months)
- •Q1 2026 Earnings Report (Estimated Early May 2026)
- •Federal Reserve interest rate decisions and forward guidance
- •Regional economic growth reports for key operating areas (NY, NJ, FL, AL)
Medium-Term (6-18 months)
- •Successful integration of any potential small-scale M&A activities
- •Progress on digital transformation initiatives to improve operational efficiency
- •Stable to improving Net Interest Margin (NIM) trends
Long-Term (18+ months)
- •Sustained economic stability and growth across its operating footprint
- •Long-term demographic shifts favoring its chosen markets
- •Enhanced market position through strategic, accretive acquisitions
Catalysts & Growth Drivers
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VLY Bull Case: What Could Go Right
- ✓
Consistent improvement in Net Interest Margin (NIM) through effective asset-liability management
- ✓
Evidence of disciplined loan growth coupled with stable credit quality
- ✓
Successful integration and synergy realization from any future M&A activities
Bull Case Analysis
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FAQ
What is the DVR Score for Valley National Bancorp (VLY)?
As of February 24, 2026, Valley National Bancorp has a DVR Score of 0.5 out of 10, placing it in the "Distressed" category. This score is generated by our AI-powered deep value analysis framework that evaluates growth potential, financial health, competitive moat, and risk factors.
What is the market capitalization of Valley National Bancorp?
Valley National Bancorp's market capitalization is approximately $5.8B. The company operates in the Financial Services sector within the Banks - Regional industry.
What ticker symbol does Valley National Bancorp use?
VLY is the ticker symbol for Valley National Bancorp. The company trades on the NMS.
What is the risk level for VLY stock?
Our analysis rates Valley National Bancorp's overall risk as Moderate. This assessment considers execution risk, market risk, financial risk, competitive risk, and regulatory risk. For a full breakdown, see the risk analysis section above.
What is the P/E ratio of VLY?
Valley National Bancorp currently has a price-to-earnings (P/E) ratio of 11.9. This is below the market average, which could indicate the stock is undervalued or facing headwinds.
Does Valley National Bancorp pay a dividend?
Yes, Valley National Bancorp pays a dividend with a current yield of approximately 407.00%.
How often is the VLY DVR analysis updated?
Our AI-powered analysis of Valley National Bancorp is refreshed regularly to incorporate the latest financial data, market conditions, and news. The most recent update was on February 24, 2026.
Important Disclaimer – Not Financial Advice
Deep Value Reports is an independent research platform for educational and informational purposes only. We are not financial advisors, investment advisors, or licensed professionals. The analysis, scores, and information provided should not be construed as personalized investment advice, a recommendation to buy or sell any security, or an offer to provide investment advisory services.
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Always conduct your own research and consult with a qualified financial advisor.